Open Keychain Access, which is in the Utilities folder within the Applications folder.From the Keychain Access menu, choose Preferences.Click Reset My Keychain, which is under the General pane.Authenticate with your account login password.Quit Keychain Access.Restart your computer.To reset your keychain in Mac OS X 10.3 through 10.3.9:

Open Keychain Access, which is in the Utilities folder within the Applications folder.From the Window menu, choose Keychain First Aid.Click Options...Click Reset My Keychain, which is under the General pane.Authenticate with your account login password.Quit Keychain Access.Restart your computer.

Try this, if you haven't:
Open Keychain Access.
Select Preferences from the Dropdown Keychain Access menu.
Within the General tab, click the button labeled Reset My Keychain.
A new empty Keychain is created.

The other part of that issue is they added this feature without really letting anyone know.

In this particular situation, the solution might be to check to see if that "synchronize" box is UNCHECKED, run keychain first aid, and then change the keychain password XXXXX something different (and then change it back to what you really want it to be).

I will tell you that...the things you have to go through to be an Expert are quite rigorous.

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